The question of whether Vanguard Target date funds are to or through has been a subject of debate for some time. There are pros and cons to both approaches, and it ultimately comes down to personal preference.
Target date funds are designed to provide investors with a diversified portfolio that automatically rebalances as the Target date approaches. The to approach means that the fund will stop rebalancing once the Target date is reached, while the through approach means that the fund will continue rebalancing even after the Target date has been reached. Both approaches have their merits, and it really comes down to what you as an investor are looking for in a fund.
If you’re looking for a fund that will provide you with stability and growth leading up to retirement, then a Vanguard Target date fund to may be right for you. However, if you’re looking for a fund that will continue to grow and provide income even after retirement, then a Vanguard Target date fund through may be a better option.
Conclusion:
There is no right or wrong answer when it comes to whether Vanguard Target date funds are to or through. It really depends on your personal preferences as an investor.
If you’re looking for stability and growth leading up to retirement, then a Vanguard Target date fund to may be right for you.
